CN104599178A - Banking business credit authentication and anti-counterfeiting identification system based on graphic encoding - Google Patents
Banking business credit authentication and anti-counterfeiting identification system based on graphic encoding Download PDFInfo
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- CN104599178A CN104599178A CN201310523933.4A CN201310523933A CN104599178A CN 104599178 A CN104599178 A CN 104599178A CN 201310523933 A CN201310523933 A CN 201310523933A CN 104599178 A CN104599178 A CN 104599178A
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Abstract
The invention, by introducing graphic encoding enabling encrypted information transmission to banking transactions, provides a system which can analyze and check customer information and transaction information of both parties of a transaction (payee and payer) to achieve business credit authentication and anti-counterfeiting identification.
Description
Technical field
The present invention relates to a kind of disposal system of banking, especially in banking transaction process, realize the system of credit accreditation and anti-counterfeit recognition, specifically a kind of graphic based coding techniques transmits credit accreditation information and anti-counterfeiting information and carries out the system of banking transaction confirmation.
Background technology
For bank transaction, generally all correspond to both parties, i.e. beneficiary and paying party.Even if in the epoch of nowadays advanced IT application, bank, when checking Transaction Information, is also difficult to obtain accurately the Back ground Information of beneficiary and paying party simultaneously or understands its credit situation.This is the major reason that remains incessant after repeated prohibition of various financial swindling criminal offence just also.
Most of financial swindling criminal activity, regardless of its fraud means, has two key characters:
One, amount of money involved are larger;
Two, payee or payer's identity information untrue, be paper company mostly.Therefore, if the customer information of both parties strictly can be audited and strengthen restriction to dealing money, various financial swindling crime can just be taken precautions against.
But bank client data and credit record belong to secret of the trade or privacy category, if extensively open, a lot of negative effect can be produced.And transaction mostly is cross-bank transaction, be also difficult between each commercial bank share detailed customer data.Therefore, only under the prerequisite of protection customer data privacy, realize could checking financial swindling criminal offence to greatest extent to the close scrutiny of transaction.
Summary of the invention
The present invention by introducing the encoding of graphs that can transmit enciphered message in bank transaction, invent and a kind ofly can the customer information of the both parties (beneficiary and paying party) of transaction, Transaction Information be carried out analysis and be checked, realize the system of business credit accreditation and anti-counterfeit recognition.
Technical scheme of the present invention is: the banking credit accreditation of graphic based coding and anti-counterfeit recognition system, it is characterized in that this system comprises: open an account site, beneficiary, beneficiary of service management and authentication center, paying party, paying party is opened an account site, transaction terminal, and the structure of this system is as follows:
A, service management and authentication center comprise customer data and credit record Database Systems, have and generate customer information Cryptographic encoding function and deciphering and service management and certificate server, the business information human assistance auditing system of verifying bill operation informational function;
B, paying party site and beneficiary site of opening an account of opening an account comprises encoding of graphs printer, data encryption services device, customer information Cryptographic coding delivery system, and is managed by network and business and certificate server is connected;
C, transaction terminal are comprised the service handling sales counter with encoding of graphs recognizing apparatus or the business self-aided terminal with encoding of graphs recognizing apparatus or Web bank's terminal and to be managed by network and business and certificate server is connected, transaction terminal is when the business of process, first the customer information Cryptographic coding of paying party and beneficiary both sides is gathered, and submit to service management and certificate server and carry out contrast and veritify or audited by business information human assistance auditing system, thus confirm the authenticity of business transaction.
The present invention has the following advantages:
1, information is comprehensive: the advantage of encoding of graphs is that carrying data volume is large, cost is low, can transmit the information of counterparty more comprehensively, more easily, is convenient to examination & verification;
2, the security of information: customer information encoding of graphs adopts multi-level encryption method, the encryption of customer information Cryptographic coding, decipher and complete by service management and certificate server, although encoding of graphs is easy to copy, operating personnel and client all cannot extract the information of concerning security matters;
3, information is comprehensive: in conjunction with the Cryptographic coding obtaining information in multiple source, be organized into a complete message sense, by intersecting the authenticity of comparison comprehensive descision transaction.
Embodiment
Below in conjunction with accompanying drawing, the present invention is further illustrated:
Embodiment 1:
Customer information in Cryptographic coding is divided into common customer information and particular transaction customer information.Cryptographic coding has ageing, is encoded to effectively with the customer information Cryptographic that distance exchange hour is issued recently.
The Cryptographic coding frequency of utilization of common customer information is higher, security classification is lower, the term of validity is longer, can initiatively be made by bank and be divided to provide to client; Wherein can comprise: customer account number, name in an account book, industry, scope of business, hour of log-on, registered capital, address, contact person, contact method etc.;
The Cryptographic coding frequency of utilization of particular transaction customer information is lower, security classification is higher, the term of validity is shorter, is generally used for the checking of block trade, is applied for obtaining before carrying out block trade by client to bank.Wherein can comprise: financial data, history block trade record, in the recent period credit record, in the recent period asset-liabilities situation in the recent period;
Encoding of graphs makes formation by service management and certificate server automatically by customer data and credit record Database Systems automatic collection organization related data, and operator can not touch relevant customer data.
Service management and authentication center can be head center, or are divided into multiple branch center.Identical coding, encryption rule are followed in multiple center, and Cryptographic that each branch center sends coding can be decoded at other centers, extract shared data wherein; Each branch center also can the decoding of reserve part data Jin Gongzhe center and use.
After transaction end submits encoding of graphs to, the backstage information that can make full use of in encoding of graphs carries out analyzing, auditing, and transaction end can only obtain the result on backstage, but can not obtain about the decoded information of encoding of graphs.
Automatic comparison process triggers according to the business on foreground, and initial conditions at least comprises beneficiary information graphic coding, paying party information graphic coding, dealing money, also can comprise other information, as use of funds, transaction number etc.
The effect of automatic comparison is to filter most arm's length transaction, for the transaction left a question open on a small quantity, then forwards artificial treatment system to and carries out analyzing and judging.The condition of automatic comparison is as follows:
1, both parties' industry correlativity and use of funds whether reasonable;
2, whether paying party paying ability is sufficient, judges based on the registered capital of paying party, in the recent period financial data;
3, beneficiary whether truly, whether be paper company, judge based on the registered capital of beneficiary, in the recent period financial data;
When there is block trade, backstage automatically can send note, fax, mail or adopt robocall the particular content of transaction to be notified the contact person of both parties in the very first time, can ensure the fund security of client so further.
Embodiment 2:
For bank money business, its anti-counterfeiting performance can be strengthened further by increasing bill feature additional information tag.
The case of a lot of forgery, adulterium bank money, its key character is exactly expanded by dealing money.If bank is when sale bill is to client, on bill, set according to the demand of client the maximum dollar amount limit markers of concluding the business, then can allow client more relieved, use bill operation more easily.Client, when carrying out vanilla transaction, can use the bill of low limit, re-uses the bill of high limit when there being block trade.
If increase limit mark in existing system, then need to upgrade to banking system, such concern is excessive, not easily implements.Bill prints limit marker graphic coding then fairly simple, only need to replace bill printing module.The encrypting and decrypting process of encoding of graphs, can be incorporated on data encryption services device of the present invention and service management and certificate server and completes.
Idiographic flow is as follows:
1, when client's first (paying party) buys blank bill from bank, bank outlets print the Cryptographic coding of limit mark by encoding of graphs printer on blank bill.Often open the amount of money that bill limits to set according to the qualification of client and demand, such as can set several class, as limited the amount of money less than 1000 yuan, less than 10000 yuan, less than 100000 yuan, 100000 yuan with first-class.
2, client's first (paying party) is when concluding the business with client's second (beneficiary), client's first provide bill carry out concluding the business, when bill be delivered to transaction terminal cash time, transaction terminal can extract the limit mark Cryptographic coding that bill prints, compare with the actual value of filling on bill, check the situation whether having the volume that transfinites to use again, thus the use judging bill whether rationally, in the process of bill handing-over whether by malicious modification dealing money.
For preventing client from getting bill limit usable range wrong, while printing curve coding, near encoding of graphs, print corresponding limit explanatory note.
Claims (6)
1. graphic based coding banking credit accreditation and anti-counterfeit recognition system, it is characterized in that this system comprises: open an account site, beneficiary, beneficiary of service management and authentication center, paying party, paying party is opened an account site, transaction terminal, and the structure of this system is as follows:
A, service management and authentication center comprise customer data and credit record Database Systems, have and generate customer information Cryptographic encoding function and deciphering and service management and certificate server, the business information human assistance auditing system of verifying bill operation informational function;
B, bank outlets' subsystem comprise customer information Cryptographic coding delivery system and encoding of graphs printer, and are managed by network and business and certificate server is connected; Bank outlets are obtained customer information Cryptographic coding by customer information Cryptographic coding delivery system, are then provided customer information Cryptographic coding to client by encoding of graphs printer;
C, transaction terminal can be have the service handling sales counter of encoding of graphs recognizing apparatus or have business self-aided terminal or Web bank's terminal of encoding of graphs recognizing apparatus, transaction terminal is managed by network and business and certificate server is connected, transaction terminal is when the business of process, first the customer information Cryptographic coding of paying party and beneficiary both sides is gathered, and submit to service management and certificate server and carry out contrast and veritify or audited by business information human assistance auditing system, thus confirm the authenticity of business transaction.
2. the banking credit accreditation of graphic based according to claim 1 coding and anti-counterfeit recognition system, it is characterized in that comprising bill in described bank outlets' subsystem goes out sale system, this bill goes out the additional information Cryptographic that sale system can be printed containing bill element characteristic by encoding of graphs printer in bill evidence and encodes, and resales to client; When Ticket redemption, realize anti-counterfeit recognition by the additional information checking bill element characteristic.
3. the banking credit accreditation of graphic based according to claim 2 coding and anti-counterfeit recognition system, is characterized in that limiting mark containing the dealing money upper limit in the additional information of described bill element characteristic.
4. the banking credit accreditation of graphic based according to claim 1 coding and anti-counterfeit recognition system, it is characterized in that institute's transaction terminal is when carrying out business processing, the supplementary element information of transaction can be submitted in the lump service management and certificate server, checking as business.
5. the banking credit accreditation of graphic based according to claim 1 coding and anti-counterfeit recognition system, it is characterized in that described customer information Cryptographic coding has ageing, be encoded to effectively with the customer information Cryptographic that distance exchange hour is issued recently.
6. the banking credit accreditation of graphic based according to claim 1 coding and anti-counterfeit recognition system, it is characterized in that described encoding of graphs is Quick Response Code, including in two-dimension code pattern can depending on word, the figure read, user distinguishes this word, figure by naked eyes, to prevent the misuse of Quick Response Code.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201310523933.4A CN104599178A (en) | 2013-10-30 | 2013-10-30 | Banking business credit authentication and anti-counterfeiting identification system based on graphic encoding |
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| CN201310523933.4A CN104599178A (en) | 2013-10-30 | 2013-10-30 | Banking business credit authentication and anti-counterfeiting identification system based on graphic encoding |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107248919A (en) * | 2017-06-23 | 2017-10-13 | 阿里巴巴集团控股有限公司 | Generation and the method and apparatus of Graphics Application coding |
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- 2013-10-30 CN CN201310523933.4A patent/CN104599178A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107248919A (en) * | 2017-06-23 | 2017-10-13 | 阿里巴巴集团控股有限公司 | Generation and the method and apparatus of Graphics Application coding |
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Application publication date: 20150506 |